Exam (elaborations)
FLORIDA 3-20 PUBLIC ADJUSTER EXAM OUTLINES QUESTIONS WITH CORRECT ANSWERS
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FLORIDA 3-20 PUBLIC ADJUSTER EXAM OUTLINES QUESTIONS WITH CORRECT ANSWERS
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FLORIDA 3-20 PUBLIC ADJUSTER EXAMOUTLINES QUESTIONS WITH CORRECT
ANSWERS
626.854 nn(3) nn- nnAnswer nnA nnpublic nnadjuster nnmay nnnot nngive nnlegal nnadvice nnor
nnact nnon nnbehalf nnof nnor nnaid nnany nnperson nnin nnnegotiating nnor nnsettling nna nnclaim
nnrelating nnto nnbodily nninjury, nndeath, nnor nnnoneconomic nndamages.
626.854 nn(5) nn- nnAnswer nnA nnpublic nnadjuster nnmay nnnot nndirectly nnor nnindirectly
nnthrough nnany nnother nnperson nnor nnentity nnsolicit nnan nninsured nnor nnclaimant nnby
nnany nnmeans nnexcept nnon nnMonday nnthrough nnSaturday nnof nneach nnweek nnand
nnonly nnbetween nnthe nnhours nnof nn8 nna.m. nnand nn8 nnp.m. nnon nnthose nndays.
626.854 nn(6) nn- nnAnswer nnAn nninsured nnor nnclaimant nnmay nncancel nna nnpublic
nnadjuster's nncontract nnto nnadjust nna nnclaim nnwithout nnpenalty nnor nnobligation nnwithin
nn3 nnbusiness nndays nnafter nnthe nndate nnon nnwhich nnthe nncontract nnis nnexecuted nnor
nnwithin nn3 nnbusiness nndays nnafter nnthe nndate nnon nnwhich nnthe nninsured nnor
nnclaimant nnhas nnnotified nnthe nninsurer nnof nnthe nnclaim, nnwhichever nnis nnlater. nnThe
nnpublic nnadjuster's nncontract nnmust nndisclose nnto nnthe nninsured nnor nnclaimant nnhis
nnor nnher nnright nnto nncancel nnthe nncontract nnand nnadvise nnthe nninsured nnor nnclaimant
nnthat nnnotice nnof nncancellation nnmust nnbe nnsubmitted nnin nnwriting nnand nnsent nnby
nncertified nnmail, nnreturn nnreceipt nnrequested, nnor nnother nnform nnof nnmailing nnthat
nnprovides nnproof nnthereof, nnto nnthe nnpublic nnadjuster nnat nnthe nnaddress nnspecified
nnin nnthe nncontract; nnprovided, nnduring nnany nnstate nnof nnemergency nnas nndeclared
nnby nnthe nnGovernor nnand nnfor nn1 nnyear nnafter nnthe nndate nnof nnloss, nnthe nninsured
nnor nnclaimant nnhas nn10 nnbusiness nndays nnafter nnthe nndate nnon nnwhich nnthe
nncontract nnis nnexecuted nnto nncancel nna nnpublic nnadjuster's nncontract.
626.854 nn(7) nn- nnAnswer nnIt nnis nnan nnunfair nnand nndeceptive nninsurance nntrade
nnpractice nnpursuant nnto nns. nn626.9541 nnfor nna nnpublic nnadjuster nnor nnany nnother
nnperson nnto nncirculate nnor nndisseminate nnany nnadvertisement, nnannouncement, nnor
nnstatement nncontaining nnany nnassertion, nnrepresentation, nnor nnstatement nnwith
nnrespect nnto nnthe nnbusiness nnof nninsurance nnwhich nnis nnuntrue, nndeceptive, nnor
nnmisleading.
626.854 nn(7) nn(a) nn- nnAnswer nnThe nnfollowing nnstatements, nnmade nnin nnany nnpublic
nnadjuster's nnadvertisement nnor nnsolicitation, nnare nnconsidered nndeceptive nnor
nnmisleading:
,1. nnA nnstatement nnor nnrepresentation nnthat nninvites nnan nninsured nnpolicyholder nnto
nnsubmit nna nnclaim nnwhen nnthe nnpolicyholder nndoes nnnot nnhave nncovered nndamage
nnto nninsured nnproperty.
2. nnA nnstatement nnor nnrepresentation nnthat nninvites nnan nninsured nnpolicyholder nnto
nnsubmit nna nnclaim nnby nnoffering nnmonetary nnor nnother nnvaluable nninducement.
3. nnA nnstatement nnor nnrepresentation nnthat nninvites nnan nninsured nnpolicyholder nnto
nnsubmit nna nnclaim nnby nnstating nnthat nnthere nnis nn"no nnrisk" nnto nnthe nnpolicyholder
nnby nnsubmitting nnsuch nnclaim.
4. nnA nnstatement nnor nnrepresentation, nnor nnuse nnof nna nnlogo nnor nnshield, nnthat
nnimplies nnor nncould nnmistakenly nnbe nnconstrued nnto nnimply nnthat nnthe nnsolicitation
nnwas nnissued nnor nndistributed nnby nna nngovernmental nnagency nnor nnis nnsanctioned
nnor nnendorsed nnby nna nngovernmental nnagency.
626.854 nn(7) nn(b) nn- nnAnswer nnFor nnpurposes nnof nnthis nnparagraph, nnthe nnterm
nn"written nnadvertisement" nnincludes nnonly nnnewspapers, nnmagazines, nnflyers, nnand
nnbulk nnmailers. nnThe nnfollowing nndisclaimer, nnwhich nnis nnnot nnrequired nnto nnbe
nnprinted nnon nnstandard nnsize nnbusiness nncards, nnmust nnbe nnadded nnin nnbold nnprint
nnand nncapital nnletters nnin nntypeface nnno nnsmaller nnthan nnthe nntypeface nnof nnthe
nnbody nnof nnthe nntext nnto nnall nnwritten nnadvertisements nnby nna nnpublic nnadjuster:
"THIS nnIS nnA nnSOLICITATION nnFOR nnBUSINESS. nnIF nnYOU nnHAVE nnHAD nnA
nnCLAIM nnFOR nnAN nnINSURED nnPROPERTY nnLOSS nnOR nnDAMAGE nnAND nnYOU
nnARE nnSATISFIED nnWITH nnTHE nnPAYMENT nnBY nnYOUR nnINSURER, nnYOU
nnMAY nnDISREGARD nnTHIS nnADVERTISEMENT."
626.854 nn(8) nn- nnAnswer nnA nnpublic nnadjuster, nna nnpublic nnadjuster nnapprentice, nnor
nnany nnperson nnor nnentity nnacting nnon nnbehalf nnof nna nnpublic nnadjuster nnor nnpublic
nnadjuster nnapprentice nnmay nnnot nngive nnor nnoffer nnto nngive nna nnmonetary nnloan nnor
nnadvance nnto nna nnclient nnor nnprospective nnclient.
626.854 nn(9) nn- nnAnswer nnA nnpublic nnadjuster, nnpublic nnadjuster nnapprentice, nnor
nnany nnindividual nnor nnentity nnacting nnon nnbehalf nnof nna nnpublic nnadjuster nnor nnpublic
nnadjuster nnapprentice nnmay nnnot nngive nnor nnoffer nnto nngive, nndirectly nnor nnindirectly,
nnany nnarticle nnof nnmerchandise nnhaving nna nnvalue nnin nnexcess nnof nn$25 nnto nnany
nnindividual nnfor nnthe nnpurpose nnof nnadvertising nnor nnas nnan nninducement nnto
nnentering nninto nna nncontract nnwith nna nnpublic nnadjuster.
626.854 nn(10) nn(a) nn- nnAnswer nnIf nna nnpublic nnadjuster nnenters nninto nna nncontract
nnwith nnan nninsured nnor nnclaimant nnto nnreopen nna nnclaim nnor nnfile nna nnsupplemental
nnclaim nnthat nnseeks nnadditional nnpayments nnfor nna nnclaim nnthat nnhas nnbeen
nnpreviously nnpaid nnin nnpart nnor nnin nnfull nnor nnsettled nnby nnthe nninsurer, nnthe nnpublic
nnadjuster nnmay nnnot nncharge, nnagree nnto, nnor nnaccept nnfrom nnany nnsource
nncompensation, nnpayment, nncommission, nnfee, nnor nnany nnother nnthing nnof nnvalue
nnbased nnon nna nnprevious nnsettlement nnor nnprevious nnclaim nnpayments nnby nnthe
nninsurer nnfor nnthe nnsame nncause nnof nnloss. nnThe nncharge, nncompensation,
nnpayment, nncommission, nnfee, nnor nnany nnother nnthing nnof nnvalue nnmust nnbe nnbased
nnonly nnon nnthe nnclaim nnpayments nnor nnsettlement nnobtained nnthrough nnthe nnwork
, nnof nnthe nnpublic nnadjuster nnafter nnentering nninto nnthe nncontract nnwith nnthe nninsured
nnor nnclaimant. nnCompensation nnfor nnthe nnreopened nnor nnsupplemental nnclaim nnmay
nnnot nnexceed nn20 nnpercent nnof nnthe nnreopened nnor nnsupplemental nnclaim nnpayment.
nnIn nnno nnevent nnshall nnthe nncontracts nndescribed nnin nnthis nnparagraph nnexceed nnthe
nnlimitations nnin nnparagraph nn(b).
626.854 nn(10) nn(b) nn- nnAnswer nnA nnpublic nnadjuster nnmay nnnot nncharge, nnagree nnto,
nnor nnaccept nnfrom nnany nnsource nncompensation, nnpayment, nncommission, nnfee, nnor
nnany nnother nnthing nnof nnvalue nnin nnexcess nnof:
1. nnTen nnpercent nnof nnthe nnamount nnof nninsurance nnclaim nnpayments nnmade nnby
nnthe nninsurer nnfor nnclaims nnbased nnon nnevents nnthat nnare nnthe nnsubject nnof nna
nndeclaration nnof nna nnstate nnof nnemergency nnby nnthe nnGovernor. nnThis nnprovision
nnapplies nnto nnclaims nnmade nnduring nnthe nnyear nnafter nnthe nndeclaration nnof
nnemergency. nnAfter nnthat nnyear, nnthe nnlimitations nnin nnsubparagraph nn2. nnapply.
2. nnTwenty nnpercent nnof nnthe nnamount nnof nninsurance nnclaim nnpayments nnmade nnby
nnthe nninsurer nnfor nnclaims nnthat nnare nnnot nnbased nnon nnevents nnthat nnare nnthe
nnsubject nnof nna nndeclaration nnof nna nnstate nnof nnemergency nnby nnthe nnGovernor.
626.854 nn(10) nn(c) nn- nnAnswer nnInsurance nnclaim nnpayments nnmade nnby nnthe
nninsurer nndo nnnot nninclude nnpolicy nndeductibles, nnand nnpublic nnadjuster
nncompensation nnmay nnnot nnbe nnbased nnon nnthe nndeductible nnportion nnof nna nnclaim.
626.854 nn(10) nn(d) nn- nnAnswer nnAny nnmaneuver, nnshift, nnor nndevice nnthrough nnwhich
nnthe nnlimits nnon nncompensation nnset nnforth nnin nnthis nnsubsection nnare nnexceeded nnis
nna nnviolation nnof nnthis nnchapter nnpunishable nnas nnprovided nnunder nns. nn626.8698.
626.854 nn(11) nn- nnAnswer nnEach nnpublic nnadjuster nnmust nnprovide nnto nnthe
nnclaimant nnor nninsured nna nnwritten nnestimate nnof nnthe nnloss nnto nnassist nnin nnthe
nnsubmission nnof nna nnproof nnof nnloss nnor nnany nnother nnclaim nnfor nnpayment nnof
nninsurance nnproceeds. nnThe nnpublic nnadjuster nnshall nnretain nnsuch nnwritten
nnestimate nnfor nnat nnleast nn5 nnyears nnand nnshall nnmake nnthe nnestimate nnavailable nnto
nnthe nnclaimant nnor nninsured, nnthe nninsurer, nnand nnthe nndepartment nnupon nnrequest.
626.854 nn(12) nn- nnAnswer nnA nnpublic nnadjuster, nnpublic nnadjuster nnapprentice, nnor
nnany nnperson nnacting nnon nnbehalf nnof nna nnpublic nnadjuster nnor nnapprentice nnmay
nnnot nnaccept nnreferrals nnof nnbusiness nnfrom nnany nnperson nnwith nnwhom nnthe nnpublic
nnadjuster nnconducts nnbusiness nnif nnthere nnis nnany nnform nnor nnmanner nnof
nnagreement nnto nncompensate nnthe nnperson, nndirectly nnor nnindirectly, nnfor nnreferring
nnbusiness nnto nnthe nnpublic nnadjuster. nnA nnpublic nnadjuster nnmay nnnot nncompensate
nnany nnperson, nnexcept nnfor nnanother nnpublic nnadjuster, nndirectly nnor nnindirectly, nnfor
nnthe nnprincipal nnpurpose nnof nnreferring nnbusiness nnto nnthe nnpublic nnadjuster.
626.854 nn(13) nn- nnAnswer nnA nncompany nnemployee nnadjuster, nnindependent
nnadjuster, nnattorney, nninvestigator, nnor nnother nnpersons nnacting nnon nnbehalf nnof nnan
nninsurer nnthat nnneeds nnaccess nnto nnan nninsured nnor nnclaimant nnor nnto nnthe nninsured
nnproperty nnthat nnis nnthe nnsubject nnof nna nnclaim nnmust nnprovide nnat nnleast nn48
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